We finance apartment building investors with credit scores as low as 650 and welcome borrowers with past bankruptcies and foreclosures on their records. Our multifamily loan programs range from $500,000 to $25 million with up to 80% LTV, entity-based LLC lending, and 30-year amortization. If your credit history has kept you away from traditional bank financing, our programs are designed specifically for your situation.
650 FICO Minimum
Credit scores starting at 650 are eligible. We focus on the property's income potential, not just your credit history.
Past BK and Foreclosures OK
Bankruptcies discharged 24+ months and prior foreclosures on your record won't disqualify you from our programs.
$500K to $25M Loan Amounts
Finance apartment buildings from half a million to twenty-five million dollars with competitive fixed-rate terms.
Entity-Based Lending
All loans close in LLCs or corporations, creating legal separation between your personal assets and investment holdings.
Why Is Multifamily Such a Strong Investment?
Multifamily housing demand continues to outpace new construction across the country. The number of renters in the United States keeps growing, driving sustained demand for apartment units at every price point -- from luxury developments in coastal cities to affordable housing in growing suburbs.
For investors, the appeal is straightforward: multiple income streams from a single property, economies of scale on management and maintenance, and lower per-unit vacancy risk compared to single-family rentals. A 20-unit building with one vacancy still operates at 95% occupancy. A single-family rental with one vacancy operates at zero.
Can You Get Apartment Building Financing with Bad Credit?
Yes. Our programs are specifically structured for credit-challenged investors. We understand that business setbacks, market downturns, and personal circumstances can impact credit scores without reflecting your ability to manage profitable real estate. If you've rebuilt your financial position and the property generates solid income, we can work with you.
We also finance investors with excellent credit profiles. Most of our clients are experienced real estate investors looking for competitive terms on their multifamily portfolios through our blanket and multifamily loan program.
Multifamily investments offer multiple income streams and lower per-unit vacancy risk
What Loan Features Are Available for Credit-Challenged Borrowers?
Our apartment building loan programs include features designed to make multifamily investing accessible regardless of credit history. Whether you're getting back into real estate after a break, expanding your holdings, or refinancing at better rates, these terms apply:
- 24+ months out of bankruptcy -- Prior bankruptcies accepted with just 24 months seasoning
- Past foreclosures accepted -- Previous foreclosures on your record won't disqualify you
- Charge-offs acceptable -- Past charge-offs on your credit report are OK
- Up to 80% LTV -- Finance up to 80% of the property's appraised value (75% for cash-out)
- 3, 5, 7, and 10-year fixed rates -- Choose the term that fits your investment strategy
- Up to 30-year amortization -- Extended schedules for lower monthly payments
- Competitive interest rates -- Market-competitive rates for investment property
For investors looking at individual rental properties rather than apartment buildings, our single property loan program offers a 30-year fixed rate with no balloon payment starting at $50K.
Finance Your Apartment Building Investment
Credit scores as low as 650, past bankruptcies and foreclosures accepted. Up to 80% LTV with entity-based LLC lending on loans from $500K to $25M.
How Does Entity-Based Lending Protect You?
All apartment building loans close in LLCs or corporations, creating a legal boundary between your personal assets and your investment obligations. This entity-based structure means the mortgage is held by your business entity, not you personally, providing proper legal separation for your investment portfolio.
This structure is especially valued by investors who are rebuilding after financial setbacks. Holding properties in properly structured LLCs -- combined with adequate insurance and legal planning -- gives you confidence as you re-enter the multifamily market. Combined with a No-Ratio DSCR loan, you can qualify based on property value without extensive personal income documentation.
Apartment Building Loan Quick Reference
- Minimum 650 FICO score -- past bankruptcies and foreclosures accepted
- Loan amounts from $500,000 to $25 million
- Up to 80% LTV with entity-based LLC lending
- 30-year amortization with 3, 5, 7, or 10-year fixed rate options
- Competitive interest rates with charge-offs and credit events accepted
Ready to Finance Your Apartment Building?
More than just a leading blanket mortgage lender, Rental Home Financing is your partner for long-term wealth building and cash flow generation. We're invested in your long-term success.